Oxnard, CA · Charter 5662
Q2 2015
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.13% | 0.12% | 0.15% | 0.11% | 0.10% | 0.04% | 0.17% | +1 bps | |
| Return on Equity | 1.66% | 1.44% | 1.42% | 1.75% | 1.26% | 1.18% | 0.45% | 1.93% | +18 bps | |
| Net Interest Margin | 2.26% | 2.27% | 2.19% | 2.20% | 2.23% | 2.26% | 2.32% | 2.36% | +16 bps | |
| Efficiency Ratio | 97.66% | 98.13% | 99.08% | 97.17% | 95.98% | 94.86% | 91.82% | 88.61% | -856 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.42% | 0.72% | 0.99% | 1.11% | 0.80% | 1.81% | 2.52% | 1.77% | +66 bps | |
| Loan Growth (YoY) | 1.65% | 4.92% | 4.48% | 3.97% | 7.17% | 8.00% | 10.06% | 8.20% | +423 bps | |
| Share Growth (YoY) | 1.78% | 0.41% | 0.43% | 0.61% | 1.04% | 1.76% | 2.48% | 1.94% | +133 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.46% | 0.44% | 0.44% | 0.45% | 0.60% | 0.33% | 0.24% | 0.19% | -26 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 0.85% | 0.73% | 0.66% | 0.63% | 0.61% | 0.65% | 0.65% | -1 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.67% | 8.77% | 8.58% | 8.66% | 8.70% | 8.72% | 8.45% | 8.62% | -4 bps | |
| Net Worth / Assets | 8.67% | 8.77% | 8.58% | 8.66% | 8.70% | 8.72% | 8.45% | 8.62% | -4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 46.92% | 48.96% | 47.20% | 48.24% | 49.77% | 51.96% | 50.68% | 51.20% | +296 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |